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Sorry took so long to reply. As far as I can make out House value approx £175k, approx 2/3rds outstanding, children 13 &9yrs. Ex is postal worker and needed salary to rent @ £500 + pcm and live on rest of income. Occasionally helps out with Childrens clothes (if pushed) informal arrangement to clear divorce (which I paid for), as far as I am aware she gets Max Child Tax Credits,Council Tax relief single person20%?reduction, only other incomme is P/time teaching assistant at school & taking in ironing
No because if she does ex will insist that the house is sold and her and the children will have to go in rented accomodation which she will not be able to afford also the children will have school disrupted as they would have to move away from the area in order offord anything, which is what he wanted as he has said she should move as he would the be able to get a new mortgage as he does not want to live in rented for the rest of his life
Thank you for your advice. She has been in touch today with regards XXXXX XXXXX and support payments they told her she is unlikely to qualify as they would consider the 4-6 mths off as short term and she would have child tax credits readjusted so would be worse off. She has also finally been able to get the mortgage company to reply but they were not helpful until she is in arrears. So I think we have given up trying for help. It appears if she was in arrears and unemployed she may get help but not by trying to keep afloat under her own efforts. So once again I thank you for the advice